GBC International Bank

This is a financial institution offering SBA loan programs designed to support small and medium-sized businesses. You can find information about various loan options, application processes, and personalized financial services to help grow your business.

It is recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours. Calling ahead can help you prepare the necessary documentation and streamline your visit.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. However, hours may vary, so it’s best to contact the branch directly for the most current information.

There are no fees for accessing basic information, but loan applications and processing may involve standard fees such as application fees, closing costs, and interest charges based on the loan terms.

This bank's services are primarily available to small and medium-sized businesses across the United States, with a focus on regional clients in Los Angeles. Business eligibility depends on meeting specific financial and operational criteria.

Typically, a personal credit score of 650 or higher is preferred, but requirements can vary based on the loan type and overall financial profile.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of submitted documentation.

Most banks keep weekday business hours and are closed on weekends, and GBC International Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call GBC International Bank to confirm current weekend availability before you go.

GBC International Bank is located in California — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for GBC International Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by GBC International Bank itself, which runs its own lending under its own ownership. If you work at GBC International Bank, you can claim this listing from this page to manage it.

The core details for GBC International Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with GBC International Bank before applying. If you represent GBC International Bank, claim this listing to keep its information up to date.

You can reach GBC International Bank by phone at (310) 826-4228 or email info@gbcib.com.

Based on its approved SBA loans, GBC International Bank most often finances businesses in wholesale & distribution, restaurants & food service, manufacturing, general retail, medical practices & clinics, and gas stations & convenience. This reflects GBC International Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with GBC International Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether GBC International Bank participates in SBA Express depends on its specific SBA lending authority. Contact GBC International Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. GBC International Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. GBC International Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask GBC International Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask GBC International Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask GBC International Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with GBC International Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. GBC International Bank weighs this case by case under its own policy, so be upfront about your history and ask GBC International Bank how it evaluates prior bankruptcies.